by our College Data Analytics TeamThis page focuses on the debt students take on to attend Orion Institute— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at Healing Arts Institute, 77% of incoming undergraduates borrow in year one, at roughly $6,506 per borrower, covering both private and federal loans.
The typical federal loan comes to $6,506. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Healing Arts Institute (freshmen included), 76% take out federal student loans, for a typical $6,470 per year. That is 0.6% lower than the $6,506 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $12,940 in two years and roughly $25,880 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 76% |
| Average federal loan per year | $6,470 |
| Undergraduates with a federal loan | 67 |
| Total federal loans (one year) | $433,508 |
The median student at Healing Arts Institute borrows $7,885 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,885 |
| Students who completed (graduates) | $7,885 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Healing Arts Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,782 |
| 25th percentile | $4,565 |
| 75th percentile | $7,885 |
| 90th percentile (highest-debt students) | $7,917 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Healing Arts Institute.
The indicators below describe what the typical debt costs to pay back at Healing Arts Institute.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Healing Arts Institute appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 31 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,885 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,565 |
| Independent students | $7,885 |
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Important to Remember
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.